Life and Homes Central New York by Stephen Lisi

Central NY

Life and

Homes

Free June

2010

Ten Ways to Improve Curb Appeal

Picture Perfect Local Listings

Summer Home Improvement Tips

Complete Real Estate Listing Directory @ LifeandHomes.com

The Long and the Short of It

Life and

Homes

Remember when you were a kid counting down the final 25 days of school and they seemed to take forevvvvver? Now we’re nearly half way through another year and I find myself wondering where the days have gone? Why does winter seem to drag out while summer speeds by? The summer season officially begins on the 21st of this month and it there’s one thing we upstaters know, it’s that warm, sunny days are not to be taken for granted. I hope you can make time this month to get outside and do the things you enjoy. And don’t forget to take time to honor or remember your dad on Father’s Day, June 20th. Real estate sales generally blossom during the summer months. Buyers and sellers are hoping to make their move so competition on both ends is heating up. If your home is on the market, or if you want to increase your home’s value, don’t miss this month’s feature article, Ten Ways to Improve Your Home’s Curb Appeal. Simple ideas such as replacing entry door locksets, updating outdoor light fixtures, painting entry doors and refreshing planter beds with color coordinated flowers are inexpensive ways to make a dramatic difference in the presentation of your home. If you’re looking to purchase a home, a well maintained home on the outside is generally a sign that the seller takes pride in their home and has maintained the inside as well.

Oneida County NY, Edition Published By LifeandHomes Publication Franchisee, RMC D avid P. Lisi Corporate Editor Kim Lisi Kim@dslisi.com

How to Reach Us Press Releases or Letters to the Editor Our e-mail address is Kim@LifeandHomes.com

David P. Lisi , RMC

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Sit down with a cup of iced tea and take some time to look over the properties featured in this month’s issue of LifeandHomes. We gladly support our community by showcasing local business services and featuring for sale listings from Realtors, Investors, For Sale By Owners, Contractors, Manufactured Home Builders, Developers, and Commercial Developers all in one convenient place. Browse through the property listings, articles and helpful resources, then visit www.LifeandHomes.com and use the easy search options to see even more for sale properties. Here’s to June and what we hope will be the beginning of a great summer season for both buyers and sellers.

i David P. Lis

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Central New York

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315-404-5253 Mortgage Originator

Financial Services, Inc. Licensed Mortgage Banker • NYS Banking Department

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Anthony Tefel 315-534-2524 Mortgage Originator

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LifeandHomes is published monthly by Lisi Merchant Solutions, Inc. Every effort has been made to ensure that home listings, advertisements and information are free of errors or omissions. The publisher does not guarantee the accuracy of the submitted information to Life and Homes Magazine and assumes no liability. This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site. Copyright © 2010 Lisi Merchant Solutions, Inc.

Fascinating Finds Stop by www.BuilderConceptHome2010 to take a tour of what the team is calling: The Most Innovating Home NEVER Built. The concept home is inexpensive to build and exemplifies a dramatic shift in how homes are designed and built. It’s all virtual so walk on in and take a look. www.BuilderConceptHome2010.com Skip painting the town and paint your lawn instead. You read it right- paint your lawn. Easy Green Lawn Paint’s biodegradable, kid/ pet safe lawn paint can be applied with a pump sprayer, lasts up to three months, dries in about an hour and instantly transforms unsightly brown lawns into a green oasis. www.easygreenlawnpaint.com One2flush’s system screws into the tank of a conventional toilet and adjusts the amount of water used in a flush. A modified handle that replaces the traditional handle on the front of the toilet can be turned one way for “No. 1” (liquid waste) and another way for “No. 2” (solid). The savings? Thirty gallons a day for the average family! www.one2flush.com The light on Black & Decker’s Thermal Leak Detector changes from red to blue when the infrared sensors detect drafts where hot/cold air are escaping. Shine the light on walls, windows and doors to easily detect drafts, fix the leaks and save up to 20% off your heating and cooling costs. www.blackanddecker.com

Skylights

Homeowners, green homebuilders, remodelers, roofers, even environmentalists, now have something in common. They all like bringing passive natural light into homes with tubular skylights that, while inexpensive, are highly efficient and Energy Star qualified. Tim Johnson, product manager with Velux America, says Energy Star qualified Sun Tunnel skylights admit passive natural light (light without the heat emitted by electrical sources) while admitting very little of the heat that windows and other light sources produce. “They capture light very efficiently through a weatherproof dome on the roof,” he says. “The light travels into the home through highly reflective or flexible tubing, which makes it easy to bypass obstructions in the attic, ending at a diffuser in the ceiling that looks like a traditional in-ceiling light fixture.” In many cases, they are less expensive than traditional skylights. They start at about $200. Some “super efficient” models meet the federal government’s energy efficiency criteria qualifying them for federal tax credits of up to 30 percent of the purchase and installation cost. For information on the benefits of natural light and skylight selection, or for free house plans incorporating skylights, call (800) 2832831 or visit veluxusa.com. For government information on window and skylight energy efficiency visit energystar.gov and for independent

agency

information

visit

nfrc.org or efficientwindows.org. (ARA)

Light Up Your Nights

* For illuminating your entryway, deck and patio, use lighting that mimics moonlight, like new solar-powered lighting systems. * Stagger path lights. Be creative. * Skip the complicated wiring and costly electric bills by using new solar lights. The latest high tech solar-powered outdoor lighting appliances come in styling that’s durable and low-maintenance. They harness the sun’s power by day, and when provided with enough light energy from the sun, last throughout the night. So whether you want hours of lighting for your entryways or for evening outdoor entertainment, look to the sun to light up your nights. (ARA)

For safety when children are in the pool, designate a “water watcher” to maintain uninterrupted supervision of children in the pool at all times. When not in use, keep toys and other objects out of the pool area, and don’t use chlorine dispensers that look like animals or toys that will attract children.

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L i f e and H o m e s

* Keep your lighting simple. Start with one main lighting source and add accent lighting to highlight garden features. Don’t over-light. It wastes energy, is costly and unappealing.

■

When the sun goes down, the right landscape lighting can turn any backyard into a stylish outdoor living space. With so many options, it’s easy to fill your nights with light to enhance security, decor and entertainment.

Garden and landscape designer John Carloftis offers these simple tips to light up your nights:

June

Like the look of granite but not the price tag? Giani offers the world’s first granite countertop paint kit. Apply their trademarked paint system to formica, laminate, butcherblock, tabletops, fiberglass and other surfaces to get a smooth finish with the contours of natural cut stone at a fraction of the cost. www.gianigranite.com

Totally Tubular

Save On Summer Home Improvements With summer in the air, you’re just itching to get that home improvement project going. It’s a great time to install a rain garden, redo your windows or siding, or even change the look of one of the rooms inside your house with new paint and furniture. Here are some tips to get your home improvement projects going, while keeping a bit of extra cash in your pocket: * If you have any handy talents, you can save a lot of money by doing the project yourself. * Offer your friends a trade for their work – maybe you’ll take them out for dinner. Or volunteer your services on one of their home improvement projects. * Look for online coupons. You can find great deals on supplies from leading home improvement retailers including Home Depot, Ace Hardware, American Blind, Lumber Liquidators and many more using online coupons and discount codes through like Ebates.com. And at Ebates.com, not only can you get discounts for free shipping, or reduced prices at more than 1,200 online stores, but you will also get a check back in the mail for a percentage of what you purchase online. (ARA) Central New York

Inhabable Food

L i f e and H o m e s

■

Le Whif, the brainchild of Harvard Professor David Edwards, is making a run as the next new food craze. Le Whif explains their products as, “ a fun way to experience chocolate without calories and coffee without the cup.” Take a quick puff from the lipstick shaped tube to experience the intense flavor without the calories. (Source: lewhif.com)

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

newsShorts

Show Me The Savings The Department of Energy reports water heating can account for 14 to 25 percent of the energy consumed in a residential home. “Green” advocates are touting solar power as a viable option to reduce those costs and applaud Congress’ decision to extend the federal solar tax credit for another eight years. Through the tax credit program, it’s reported homeowners can recoup 30 percent of the total installed cost of a solar thermal water heating system. On average, if you install a solar water heater, your water bills should drop 50-80 percent. Will the general public make the switch? With average installation projected to cost $6,500 to $11,000 - and some complex systems running as much as $12,000 - it’s unclear what percentage of the population Congress hopes will sign up for the tax credit.

‘Air’ On The Side of Safety The U.S. Department of Energy says properly inflated tires can improve fuel economy by 3.3 percent and help you save 9 cents per gallon at the pump. The National Highway Traffic Safety Association estimates that underinflated tires contribute to more than 600 fatalities and 33,000 injuries a year. Fewer than 8 percent of vehicles have four properly inflated tires, according to a Rubber Manufacturers Association-sponsored national survey.

Be tire smart – play your “P.A.R.T.” That stands for pressure, alignment, rotation, and tread, all key elements of monthly tire maintenance. * Pressure: Check tire pressure monthly before you drive with a tire gauge and inflate to vehicle manufacturer’s recommended pressure. * Alignment: Misalignment of wheels can cause uneven and rapid tread wear. * Rotation: Rotate every 5,000 to 8,000 miles to help you achieve more uniform wear. * Tread: Bald tires are dangerous. Insert a penny, head first, into the tread groove. If you see all of Lincoln’s head, it’s time for a new tire. For more information visit RMA’s website at www.betiresmart.org. (ARA)

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■

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newsShorts

Ten Ways to Improve Your Home’s Curb Appeal

If you think having great curb appeal is only important if you’re trying to sell your home, think again. Your house is one of your biggest investments and making a great first impression will leave everyone not just potential buyers - wanting to see what’s inside. With 10 simple improvements, you can easily transform your home into the best looking house on the block.

L i f e and H o m e s

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Central New York

There are a number of quick fixes you can complete in just one day that will make a big impact on your exterior. •Replace old hardware. It’s the little things that make a big difference. Update your dated or dingy house numbers, entry door lockset and overhead light fixture. Each of these elements can add style and interest to your home’s exterior, especially if you incorporate a great finish option like oil-rubbed bronze or brushed nickel. •Make over your mailbox. Your mailbox should complement the style and color of your house. Restore your existing mailbox with a fresh coat of paint or stain that matches the trim, color and woodwork of your house. •Tame planter beds and landscaping. If your beds are overrun with weeds and unsightly growth, you’ll need to get them under control to give your home a well-manicured look. Prune, pull weeds and plant flowers to add color. Add a fresh layer of mulch and your yard will look as good as new. •Illuminate your walkway. Adding low-voltage solar lighting to your front walkway can have a big impact on your home’s curb appeal. It also provides added safety and security. If you don’t have a walkway, string accent lighting in the trees for a whimsicallooking effect. •Freshen up the front door. The front entry is the focal point of your home’s curb appeal. To keep it looking free of abuse from the elements and use, clean off any dirty spots and remove any loose paint. If your door is beyond repair, install a new version that reflects the design of your house. Once you’re all set, be sure to add a piece of decorative flair, like a wreath or door knocker that showcases your personality to the outside world. In just a couple of days, you can boost the beauty of your home with easy upgrades. •Renew paint and trim. Give your home an exterior facelift by adding a new coat of paint or stain. You’ll automatically update the look of your home by fixing any obvious defects, like loose paint, fading colors or cracks in your trim and fence. Be sure to use highquality painting tools to get a professional-looking 6

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

finish, like the Pro-Extra brush from Purdy. The extra length and thickness of the filaments on quality paintbrushes provide superior paint-holding capacity and are specially designed for all exterior paints and stains. •Replace gutters and downspouts. If your gutters are loose and worn out, not only do they look neglected, but they’re also a danger to guests. To prevent any injuries, as well as improve the overall appearance, install a new, snap-fit gutter system that go together with a few tools for an easy and important upgrade. •Add shutters or accent trim. Everything on the exterior of your home should be a reflection of what’s inside. To mirror the pulled-together appearance of your indoor rooms, install shutters and trim to provide an extra layer of interest on the exterior. Not

only do shutters help control light and ventilation, but new materials such as PVC resins or polyurethane make them durable and low maintenance. Using a little elbow grease and taking extra time on some projects can reap huge rewards for your home in the long run. •Upgrade railings. Porch and stoop railings deteriorate over time and can become loose. If yours are past their prime, look for quality wood or metal replacements. Make sure the color, scale, design and details coordinate with the rest of your home’s main features. •Dress up the drive. If your driveway is cracked, stained or has weeds sprouting up from it, now may be time to show it some TLC. Upgrade it without completely starting over. Repair any cracks or stains and be sure to kill the weeds and then add some extra character by staining the concrete or affixing flagstone. For additional flair, add stone, bricks or pavers to the sides for a completely custom look. With these easy curb appeal cures, your home will be the envy of all your neighbors. For more information about the Pro-Extra series or other Purdy painting products, visit purdycorp.com.

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Vernon

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Fabulous home with 3,750 sq ft of living space. Open entry, two ﬁreplaces, custom kitchen with granite, 3 car garage.

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Rome

Sauquoit

New Hartford $179,000

Marcy

$279,900

Fabulous 4 bedroom transitional with 2-story entry, hardwood ﬂoors, cherry kitchen with granite, master bedroom suite.

$279,900

Executive Cape on 2 acres. First floor master suite, hardwood floors, fireplace, formal dining room and much more!

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Meticulous home with soaring ceilings, hardwood ﬂoors, ﬁreplace, beautiful landscaping. Adjacent to the Rome Country Club.

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Updated farmhouse with new kitchen. Detached garage, barn and guesthouse on 7 beautifully landscaped acres with view.

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Spacious ranch with 4 bedrooms and 2 full baths. Oversized family room with ﬁreplace and beautiful screened porch.

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Restored village home. Historic character with modern conveniences. Beautiful master bedroom suite and deluxe kitchen.

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June ■

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L i f e and H o m e s

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Located on 10.7 private acres. Pole Barn with electric, gas & water. Updated interior with custom window treatments. Call for more details. Debbie Roberts Ext. 239

Central New York

Sauquoit

$239,900

Updated farmhouse full of character. Newer addition with new kitchen. On 7 acres with barn, garage and guest house. Gaetano Belmonte Ext. 202

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Gloria Rocci

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Unique updated residential Victorian plus 2 family home! 2,846 sq/ft, 5 spacious BR’s, beautiful open kitchen, 9.6 rural acres. Richard Parent

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Absolutely a beautiful home in a very private setting. Enjoy the privacy on the 61’ deck across the back. Out side ﬁreplace included. Updates. Kathy White Ext. 215

Marcy

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One owner ranch built on 1.36 acres of treed land. Within minutes to Rt. 12 & Rt. 49. Open ﬂr. plan hardwood ﬂoors, custom moldings, large master bedrm. Lisa Filletti Ext. 206

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Enter this Executive Home, on almost 7 acres of rolling hills, to an open ﬂoor plan that boasts the best of everything. Web:1013evergreenvalley.com Jan Cidzik Ext. 209

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Rome

Russia $239,900 5089 Military Road Classic 3 BR federal style home set on park like 3.8 acres! open kitchen, loft, sunroom, 4 ﬁre places! large barn & workshop. Richard Parent Ext. 203

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Spacious ranch offers eat in kitchen, living room w/ﬁreplace, dining area, master bedroom w/new elegant bath. Call me for other features. Jodie DeCosty Ext. 201

Whitestown

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Call 768.1680 8

$299,000

4 Bed/3 Bath on prime real estate right across from Delta Lake and walking distance to Teugega Country Club! Move in by summer. Jan Cidzik Ext. 209

Home Highlight

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L i f e and H o m e s

$399,900

Priceless! Secluded on 10 acres of lavish landscaping. Luxurious principle rooms, guest quarters in lower level.

Rome

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4 bed/2 bath home features eat-in kitchen, formal DR and lge. family room complete w/ ﬁreplace. Pergo ﬂoor, deck w/awning, newer roof. Jan Cidzik Ext. 209

Little Falls

$109,900

Warm & cozy nights await you in this old world charm 4 BR country homestead. Original woodwork, hardwood floors, elegant DR, bay window & views, much more! A must see! Richard Parent Ext. 203

Frankfort

$89,500

A unique village property with an open ﬂoor plan. Large, bright living room & dining room, a knock out kitchen with skylights & vaulted ceilings. Gloria Rocci Ext. 217

New Hartford

$179,900

Spacious ranch boasting oversized family room with ﬁreplace, 4 bedrooms, 2 full baths and hardwood ﬂoors. Gaetano Belmonte

Utica

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Strong curb appeal in this E. Utica 2 family home, let your rent pay your mortgage. 3 Brs, each unit. Richard Parent

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Ilion

$149,900

Beautifully restored property! With its grand entrance, you’ll feel right at home. 5 bedrooms (1 on 1st ﬂr), 2 new full baths. Much more. Jodie DeCosty Ext. 201

Whitesboro

$104,000

Comfortable ranch with 3 BR/2 BAs. Private setting. Gas ﬁred wood stove in living room. Finished basement offers more living space. Debbie Roberts Ext. 239

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Older Village home in need of repairs. Large lot, hardwood ﬂoors, just minutes to Oxford Road elementary school.

Centrally located in Ilion. Remodeled outside, and nicely maintained on the inside. Good sized backyard; longtime tenants.

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Scott Kelley

Ext. 217

Ext. 242

New Hartford

$143,900

Enjoy maintenance free living in this Sherman Oaks condo. Beautiful hardwood ﬂoors, freshly painted interior. Gaetano Belmonte

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Ext. 202

$99,900

Spectacular view on 30 acres! 3 bedroom ranch home sold as is, large 2 level 275’ dairy barn in great shape, fantastic property to enjoy all seasons.

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Ilion

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Move right in to this Clinton charmer! Character throughout, LR, DR, country kitchen, 1st ﬂ laundry, newer bathroom, 3 bdrs, sun & side porch. Call for updates. Jodie DeCosty Ext. 201

Utica

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Rome

Ext. 213

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June ■

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For more details visit www.LifeandHomes.com Type in Quick Search #41359

Longo Realty

JoAnn Longo • 315-733-5394 Lic. R. E. Broker • JoAnnLongoRealtor@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Camden

$45,000

Hunt For Homes

Jean Hunt • 315-725-4700 Broker/Owner • JeanHunt1@adelphia.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Cleveland

NYS Rt 13

$250,000 308 Drive 30 - North Shore Oneida Lakefront

19 Acres

4 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41305

For more details visit www.LifeandHomes.com Type in Quick Search #41306

Schaal Real Estate

Terry G. Schaal • 315-264-1585 Lic. R. E. Representative • schaaltg@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Camden

$161,900

Schaal Real Estate

Terry G. Schaal • 315-264-1585 Lic. R. E. Representative • schaaltg@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

$75,000

10 Emmons Cirlce

173 Sanford Ave

3 Bedrooms / 2.5 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41485

For more details visit www.LifeandHomes.com Type in Quick Search #41479

Kay Real Estate

Julie Stickels • 315-363-9191 Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Catskill

Clinton Real Estate

Barbara Frank • 315-853-4400 Lic. R. E. Broker • info@clintonrealestateny.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$350,000 Greene County Gentlemans Farm

Clinton

60 Acres

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33942

For more details visit www.LifeandHomes.com Type in Quick Search #41032

Posson Realty LLC

David Posson • 607-316-3758 Broker/Owner • possonrealty@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$183,900

8161 Kellogg Street

Clinton Real Estate

Barbara Frank • 315-853-4400 Lic. R. E. Broker • info@clintonrealestateny.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

June

Clemens-Beckley Real Estate, Inc.

■

315-334-1046

www.mohawkhcs.com

www.Life and Homes .com

L i f e and H o m e s

800-432-8669

420 N. Washington St. Rome, NY 13440

LifeandHomes.com Clinton

Your All Inclusive Home Directory Constableville

3161 Route 12B

$92,500

$127,000 3706 Sweeney Road / 15 Acres

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41019

For more details visit www.LifeandHomes.com Type in Quick Search #41211

Clinton Real Estate

Barbara Dunn Realty

Barbara Owens • 315-853-4400

Barbara Dunn • 315-337-1677

Associate Broker • info@barbaraowens.com

Broker/Owner • dunrealt@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Constableville

$219,900

3708 Sweeney Road

6 Bedrooms / 2.5 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #32532

For more details visit www.LifeandHomes.com Type in Quick Search #41212

Clinton Real Estate

Barbara Dunn Realty

Barbara Owens • 315-853-4400

Barbara Dunn • 315-337-1677

Associate Broker • info@barbaraowens.com

Broker/Owner • dunrealt@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Deerfield

$119,900

302 Tumbleweed

3 Bedrooms / 1.0 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41538

For more details visit www.LifeandHomes.com Type in Quick Search #41355

Coldwell Banker Prime Properties

Jodie DeCosty • 315-723-8554

Laura Minard • 315-525-1974

Lic RE Associate Broker • jodiedecosty@cbpp.com

Realtor • lauraminard@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Dolgeville

$309,900

2343 St Rt 29

5 Bedrooms / 3.5 Baths

Open House June 12th

For more details visit www.LifeandHomes.com Type in Quick Search #41327

For more details visit www.LifeandHomes.com Type in Quick Search #41506

Jodie DeCosty • 315-723-8554

United Country Real Estate/HBE Group, Inc. John Carlin • 315-429-9754

Lic RE Associate Broker • jodiedecosty@cbpp.com

Lic. R.E. Broker • hbegroup@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Clinton

Licensed Mortgage Banker NYS Banking Dept

Dolgeville

$229,900

80 VanBuren Street,

3 Bedrooms / 2.0 Baths

Open House June 13th

For more details visit www.LifeandHomes.com Type in Quick Search #41371

For more details visit www.LifeandHomes.com Type in Quick Search #41367

Amy Abdoo • 315-794-2653

United Country Real Estate/HBE Group, Inc. Sharon Baisley • 315-429-9754

Broker/Owner • blon316@aol.com

Lic. R.E. Broker • hbegroup@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Central New York

$99,500

7349 Pryor Rd

Dominion Homes

Smith Inspection Services, llc

Licensed Mortgage Banker NYS Banking Dept

Joanne Shedd

Carrie Podagrosi

Licensed Sales Person

Serving Central NY and the Mohawk Valley

Pre-Listing & Buyer Inspections Septic System Inspections & Dye Tests Water Purity & Quality Tests

■

$189,000

116 Homewood Drive

Coldwell Banker Prime Properties

L i f e and H o m e s

$229,900

7841 Kellogg

Coldwell Banker Prime Properties

35 Years Commercial Construction Experience 5 Years Home Inspection Experience PO Box 126, Sherrill, NY 13461

Call 315-363-8074 12

$99,900

4211 BRISTOL ROAD

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

A. Fumarola Realty Inc.

Assist 2 Sell

Joyce Realty Sellers & Buyers 1st Choice! 147 Genesee St New Hartford, NY 13413 Office: 315-735-9244 Fax: 315-735-6941 Mobile: 315-790-1997 Email: jshedd@assist2sell.com Web: www.assist2sell.com

Each Office is Independently Owned & Operated

For One Low Fee, You Can Enjoy the Professional Services of a REALTOR to Sell Your Home!

46 Genesee Street New Hartford, NY 13413 Office: 315-732-3456 Cell: 315-723-3021 Fax: 315-735-9057 www.uticaromeproperty.com

Your All Inclusive Home Directory Durhamville

LifeandHomes.com Lee

$44,000

6449 Elmer Hill Road

2 Bedrooms / 1.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41476

For more details visit www.LifeandHomes.com Type in Quick Search #41549

Dick Stanton Real Estate

RE/Max All Pro

Mike McNaughton • 315-264-3081

Tony Abone • 315-339-2222

Assoc. Broker • mike@mcnaughtonhouse.com

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Hamilton

Licensed Mortgage Banker NYS Banking Dept

Lee Center

1541 River Rd.

$26,900

$149,900 5438 Lee Center Taberg Road

2 Bedrooms / 2.0 Baths

4 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41298

For more details visit www.LifeandHomes.com Type in Quick Search #41523

Dominion Homes

Longo Realty

Amy Abdoo • 315-794-2653

JoAnn Longo • 315-733-5394

Broker/Owner • blon316@aol.com

Lic. R. E. Broker • JoAnnLongoRealtor@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Herkimer

$130,000 320 South Washington - Commercial

Mohawk

Turnkey Business Opportunity

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41331

For more details visit www.LifeandHomes.com Type in Quick Search #41329

Accent Brokerage, Inc.

Becky Smith • 315-868-3098

Broker/Owner • rsmith@accentbrokerage.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Herkimer

Licensed Mortgage Banker NYS Banking Dept

Mohawk

$120,000

38 Church Street

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41496

For more details visit www.LifeandHomes.com Type in Quick Search #41324

Realtor, Martha Sirois • 315-866-6169

Leslie Nicolette • 315-985-0212

Bruce Ward & Company

• mrealty1@netzero.com

Lic. R.E Salesperson • dnicolette@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Holland Patent

Licensed Mortgage Banker NYS Banking Dept

Morristown

$129,900

$184,000 26 Dockside Drive - Waterfront

7915 Elm Street 3 Bedrooms / 1.0 Baths

Condo

For more details visit www.LifeandHomes.com Type in Quick Search #41501

2 Bedrooms / 1.0 Baths

Clemens-Beckley Real Estate

For more details visit www.LifeandHomes.com Type in Quick Search #41395

Sharron Puglio • (315) 334-1046

Coldwell Banker Prime Properties

Lic. R.E Salesperson • SHARRONPUGLIO@YMAIL.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Debbie Roberts • 315-796-2830

Licensed Mortgage Banker NYS Banking Dept

Melissa Clark

(315) 733-0463

15 years experience inspecting homes NYS Licensed/ Certified Inspector NEHA/NRPP Certified Radon Tester Well flow/Septic Dye/Water Purity Testing Providing our clients with an educated inspection of their new home purchase while looking for any minor/major defects

Joseph R. Carucci Real Estate

600 French Road New Hartford, NY 13413

Phone: 315-733-0463x227 Cell: 315-723-5584 Email: mclark@prudentialcarucci.com

NAHI

Don Archer

NRPP

Call 315-792-9029

http://www.advancedhomeis.com www.Life and Homes .com

L i f e and H o m e s

www.prudentialcarucci.com

I Have The Key To All Your Real Estate Needs! Call Me Today...

■

A Tradition of Customer Service that lives on in our Prudential Team!

Realtor

Advanced Home Inspection Service LLC June

Joseph R. Carucci Real Estate 600 French Rd., New Hartford

$94,500

1099 E. German St. Ext

Bruce Ward & Company

Customer Service

$189,900

1581 State Route 28

Accent Brokerage, Inc.

$133,500

5293 Charles St.

LifeandHomes.com New Hartford

Your All Inclusive Home Directory

$164,900

$350,000 Chenango County Dairy Farm

3 Bedrooms / 1.5 Baths

165 Acres

For more details visit www.LifeandHomes.com Type in Quick Search #41360

For more details visit www.LifeandHomes.com Type in Quick Search #41529

Jean Hunt • 315-725-4700

David Posson • 607-316-3758

Hunt For Homes

Broker/Owner • JeanHunt1@adelphia.net

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$189,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Guilford

259 Higby Road

$450,000 Chenango Cty Equine Facility

3 Bedrooms / 1.5 Baths

120 Acres

For more details visit www.LifeandHomes.com Type in Quick Search #41509

For more details visit www.LifeandHomes.com Type in Quick Search #41528

Christine Ossont • 315-733-0463

David Posson • 607-316-3758

Prudential J.R. Carucci Real Estate Realtor • cossont@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$177,700

Posson Realty LLC

Broker/Owner • possonrealty@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Old Forge

$94,500

63 Imperial Drive

179 Cliff Road

4 Bedrooms / 2.0 Baths

3 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41512

For more details visit www.LifeandHomes.com Type in Quick Search #41504

Donna M Jordan • 315-733-0463

Becky Smith • 315-868-3098

Prudential J.R. Carucci Real Estate Lic. R. E. Salesperson • djordan@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$389,000

Accent Brokerage, Inc. Broker/Owner • rsmith@accentbrokerage.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Old Forge

$329,900

1 Compton Road

230 Spruce Drive

5 Bedrooms / 4.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41511

For more details visit www.LifeandHomes.com Type in Quick Search #41387

Joan Abend • 315-733-0463

Barbara Frank • 315-853-4400

Prudential J.R. Carucci Real Estate Lic R.E Associate Broker • JABEND@PRUDENTIALCARUCCI.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

New Hartford

$139,900

Clinton Real Estate

Lic. R. E. Broker • info@clintonrealestateny.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Old Forge

$309,000

12 Colonial Drive

144 Old Indian Trail

4 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41513

For more details visit www.LifeandHomes.com Type in Quick Search #41394

Mark Kall • (315) 733-0463

JoAnn Longo • 315-733-5394

Prudential J.R. Carucci Real Estate Lic. R. E. Salesperson • MKALL2608@ROADRUNNER.COM

Central New York

Licensed Mortgage Banker NYS Banking Dept

New Nest Realty

■

Amy La Clair

Licensed Real Estate Broker Professional & Courteous Real Estate Services

(315)790-4153 visit us on the web @ www.newnestrealty.com We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Longo Realty

Lic. R. E. Broker • JoAnnLongoRealtor@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

L i f e and H o m e s

Posson Realty LLC

Broker/Owner • possonrealty@frontiernet.net

Low Mortgage Rates • Homestead Financial 315-768-1980

DeRuyter

3728 Snowden Hill

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

ThelmaAssociate Chase Broker

315.363.5464

Kingsleyrealestate.com

Durhamville/Verona

$154,900

Canastota

$107,000

3 bedroom, 3 bath Ranch home in V.V.S. School District Approx 2 acres of land. 1850 sq ft.

Spacious 2500 sq ft home in Morrisville-Eaton school district. Six bedrooms. 2 baths.

Durhamville/Verona

Clinton

$89,900

$117,900

4 bedroom, 2 bath ranch home located in the V.V.S. School District. Nearly 2 acres of land and 1750 sq. ft.

Nice three bedroom ranch on quiet street. Attached garage, great yard, full basement!

Oneida Castle

Verona

$82,900

Colonial style home featuring 3 bedrooms and 1 bath. Conveniently located in the Oneida school district. 1450 sq ft

$89,000

5 year old ranch, three bedroom two full baths, Great yard, garage and air condition for those hot summer days ahead!

June â&#x2013;

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L i f e and H o m e s

Average Home

Days On Market: Utica $64,900

, Utica 1312 Mathews Ave Bungalow Neat Arts-And-Crafts od! Loads of in a great neighborho character.

Floyd $139,900

8140 Glenwood Dr Fantastic neighborhood ranch. Central air, an for this raised acre lot.

0 Barneveld $229,90

Central New York

Road 8824 Parker Hollowold Greek Revival Incredible 200-year home on 5 acres.

3 0 Days

Rome $79,900

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Y.com

703 Lee Street ranch! Gorgeous Beautiful remodeled h. st-See. new kitchen and bat Mu

Yorkville $87,900

2123 Walcott Ave! Loads of updates, Adorable cape cod ful street. central air, wonder

Ilion $89,900

103 Elm Street, Beautiful remodeled villa ge home wit a great finished att ic. Fully updated. h

Kirkl and $229,9 00

N.Utica $154,900

812 Herkimer Road, on a beautiful Historic Three-Family d. 1.8 acre park-like yar

999 WhatFountain St new coa value! 18r0eet, Kirkland nstruc tion ra0 s.f. 3 bed 2 nch in C b linton!a

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L i f e and H o m e s

Our DOM :

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315.735.2222 (office) 315.272.3975 (jay) 315.725.1608 (brandon)

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735-2222

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Linda Peters

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L i f e and H o m e s

Congratulations to these Two Top Selling Stars!

June

April Stars

SCAMPONE REAL ESTATE 797-7100

G TIN

LIS

$234,500

MLS #1001373

G TIN

LIS W

$154,900

MLS #1001534

ICE

$240,000

MLS #200800287

South East Utica Popular SE Utica location offers this 4 bdrm colonial in mint condition. Situated on over 1 acre w/private rear yard. Gorgeous updated kit, fr w/full wall of brick ﬁreplace & hdwds. Generous sized bedrooms. If you are quality conscious, this is the home for you!

$184,500

MLS #1001414

Sylvan Beach Immaculate updated, 3 bdrm, 1 bth, year round home. Situated on a double lot with a covered pavilion. Completely renovated in 1995 w/open concept of living room & kitchen. Let your summer fun start here or enjoy all year round.

ICE

PR W

$289,000

$184,900

Central New York

MLS #912679

$92,500

Contemporary styled home located on cul-de-sac in rolling hills, features 3 br, 2 1/2 bths. Master suite on 1st ﬂr. Balcony overlooking fr & dr. Front end eat in kit. Oversized 2 stall garage. Great covered porch in rear. Good value, great location.

$205,000

ICE

$164,900

MLS # 1000641

$159,000

MLS #1001409

Remsen Wonderful, 4 bdrm, 2 ½ bath, year round home on the waters of Black River leading to Kayuta Lake. Full 40’rear deck overlooking water & boat dock. Views from master suite & lr w/ sliders to deck. Easy one level living w/2 additional bedrooms & 1/2 bath up. Fireplace in lr. Fully furnished. A great home.

N TIO UC TR NS O C

South East Utica Pride of ownership shows thru on this wonderful 4/5 br cape. Meticulously maintained w/beautiful gardens w/in the fenced yard. Great fam rm w/pellet stove, lr, dr & 1 1/2 bths. Hdwds under 1st ﬂr carpet. Radiant heat on 1st ﬂr. A home you’ll be proud to call your own in this sought after location.

New Hartford Newly constructed 3 bdrm, 2 bath ranch in the whitetail meadows development.

$253,000

MLS #1000465

New Hartford Traditional architecture embraces modern day living in this 4 bdrm, 1 ½ bath brick colonial. Center hall foyer lends way to large principal rms, formal dining, fp in fr. Hrdwd ﬂring & crisp, clean lines carry throughout. Classic built ins in almost every room boasts character & a rich interior distinguishes a 1st ﬂr study/den. Sunporch embraces comfort & relaxation. 2 Stl grg. W/loft. A must see!

G TIN

LIS

ICE

$199,000

MLS # 1000130

Gorgeous brick oven kitchen w/maple cabinets, lr, dr, breezeway. Completed w/lawn, driveway, walkway. Turn key!

South East Utica 3 bdrm, 2 bth ranch, nearly 1800 sq ft, hrdwds, formal dr & lr, fplcd fr w/ built in wet bar, eat in kit, mstr bth. Sliders from kit & mstr bdrm to private backyard, hot tub ingrnd pool. Many amenities & updates.

New Hartford

South Utica

Spacious split level home in popular Benton Hills. 3 Bedrooms, 2 baths. Fireplaced lr, dr, family room w/entrance to rear yard. Hardwood under lr & dr carpet. Oversized garage. Great cul de sac location.

Dont miss this one! New siding, roof, furnace, windows and bath. Updated electrical & plumbing. 3 br, formal dr, large principal rooms. Master br large enough for reading nook or seating area. Fenced backyard. Call today!

$92,900

MLS # 1000853

Rome

East Utica

Well maintained 2 story home on a large double corner lot. All natural woodwork w/ reﬁnished hardwood ﬂoors, new kitchen w/ granite countertops, stainless appliances. Full attic w/expansion possibilities. Screened sunporch. Three bedrooms, 1 bath, formal dining room. Vinyl sided.

Smart investment in this remodeled 3 bdrm bungalow. New, fully applianced stailnless kitchen, new granite bath. Open archway from kit to large, formal dr. Crisp, clean space w/ natural light, hardwoods, high ceilings. Updated: windows, exterior doors, electrical, hwh, kitchen insulation, plumbing, maintained & rebuilt furnace.

Meticulously kept home w/affordable price. Good sized lr & dr, eat in kitchen. 3 br with ofﬁce or 4th br. Mostly new windows. Furnace only 10 yrs old. Some hardwood ﬂooring under carpets. Great front porch. Full walk up attic.

$79,900

MLS #1000796

$52,900

MLS #1000350

L i f e and H o m e s

■

MLS #1001384

ICE

MLS #912805

Frankfort 4 bdrm, 2 bth ranch home, completely updated, move in condition. Two new, tiled, full baths (one is mstr bth), refnshd hrdwds, roof less than 1 yr, new plmbng, large kit, lg din area, deck w/jaczzi, nice bdrm sizes, theatre/fm rm in ﬁnished bsmt w/pellet stv. Tastefully put together & wrapped up on 1.6a

Frankfort

MLS #912298

South East Utica All new interior from floors & walls to ceiling, windows, furnace, kitchen & baths. 3 Bdrm, 2 ½ bath, w/1st flr master, master bath, 1st flr laundry, formal dining overlooks sunken family room, tiled foyer & kitchen, 2 bdrms & playrm/computer rm on 2nd flr. New York Mills schools. Situated on a double lot w/ screened sun porch. All new & incredible buy!

G TIN

LIS

FOR A COMPLETE INVENTORY OF LISTINGS & UP TO DATE PROPERTY INFO, VISIT...

scamponerealestate.com

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Your All Inclusive Home Directory Oneida

LifeandHomes.com

$149,000

6325 Moot Road

Commercial

5 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41489

For more details visit www.LifeandHomes.com Type in Quick Search #41500

Thelma Chase • 315-363-5464

Lic. R.E Salesperson • olga.grand@yahoo.com

Licensed Mortgage Banker NYS Banking Dept

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Oneida

312 Broad Street

338 Earl Avenue

Offices for Rent

2 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41375

For more details visit www.LifeandHomes.com Type in Quick Search #41307

Schaal Real Estate

Terry G. Schaal • 315-264-1585

Schaal Real Estate

Lic. R. E. Representative • schaaltg@aol.com

Licensed Mortgage Banker NYS Banking Dept

Oneida

$93,900

Terry G. Schaal • 315-264-1585

Lic. R. E. Representative • schaaltg@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

$219,500

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Stanwix

$134,900

1094 Abes Way

6846 Liberty Street

3 Bedrooms / 2.5 Baths

5 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33578

For more details visit www.LifeandHomes.com Type in Quick Search #41510

Kay Real Estate

Janet Mautner • 315-363-9191

• genop67@hotmail.com

Licensed Mortgage Banker NYS Banking Dept

Oneida

Prudential J.R. Carucci Real Estate Eugene Primarolo • 315-733-0463

Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

$187,500

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Pamelia

$279,000

116 Morgan Lane

25030 Co. Rte. 53

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41483

For more details visit www.LifeandHomes.com Type in Quick Search #41539

Kay Real Estate

Janet Mautner • 315-363-9191

Lic. R. E. Salesperson • lakeontariorealty@yahoo.com

Licensed Mortgage Banker NYS Banking Dept

Oneida

Lake Ontario Rlty

April Marvin • 315-778-8042

Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

$319,900

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Poland

$179,000

612 Deerfield Drive

18865 N. Main Street

4 Bedrooms / 2.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41481

For more details visit www.LifeandHomes.com Type in Quick Search #41531

Kay Real Estate

Katie Falkenmeyer • 315-363-9191 Lic. R. E. Salesperson • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Margaret Nolan • 315-853-3767 Lic. R. E. Salesperson • MNOLAN@GURBR.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Kay Real Estate

You don’t need to be an expert to buy or sell real-estate! You need an expert working for you. I supply you with the information you need to make informed choices. We can work together to get you and your family what you need in the time you need it. Pick up the phone and interview me for the job of being your Agent! 315-525-1974 Cell Phone Anytime • lauraminard@cbpp.com

Kay Real Estate, established in 1983, has been serving Oneida and surrounding areas for 25 years. Their success can be partly attributed to the community itself by being centrally located between 2 major cities helping to make Oneida an excellent place to reside. Please feel free to contact us to discuss how we can assist you with your real estate needs.

Phone: 315-768-1680 x 205 Web: lauraminard.com

126 Main St., Oneida, NY • 315.363.9191 • www.kaysteam.com www.Life and Homes .com

L i f e and H o m e s

Coldwell Banker Prime Properties

■

Siding • Decks Windows • Additions Overhead Doors Fully Insured FREE Estimates

Laura Minard

Gokey Real Estate

June

MidState Contracting

315.335.8073

Re/Max Realty Results

Olga Grandinette • 315-794-1554

Assoc. Broker • thinkthelma@twcny.rr.com

Low Mortgage Rates • Homestead Financial 315-768-1980

7710 McKern Rd Rome, NY

$389,000

229 Wilson St.

Don Kingsley Real Estate

Barry Kotary

Oneida

LifeandHomes.com Rome

Your All Inclusive Home Directory

$64,500

5 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41548

For more details visit www.LifeandHomes.com Type in Quick Search #33874

Tony Abone • 315-339-2222

Amy Abdoo • 315-794-2653

Broker/Owner • proabone@cnymail.com

Licensed Mortgage Banker NYS Banking Dept

Rome

$175,000

Rome

$39,900

3 Bedrooms / 1.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33616

For more details visit www.LifeandHomes.com Type in Quick Search #41344

Tracy Winterton • 315-335-3843

Maria E. Dailey • 315-336-0433

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$272,900

National M&D Dailey Realty Broker/Owner • dailey.realty@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$69,000

8103 Pinebrook Lane

219 E Whitesboro

4 Bedrooms / 2.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41370

For more details visit www.LifeandHomes.com Type in Quick Search #41345

Gaetano Belmonte • 315-768-1680

Maria E. Dailey • 315-336-0433

Coldwell Banker Prime Properties Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$159,900

National M&D Dailey Realty Broker/Owner • dailey.realty@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$139,900

8703 Maple Lane

611-613 Chatham St.

4 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41462

For more details visit www.LifeandHomes.com Type in Quick Search #41170

Gaetano Belmonte • 315-768-1680

Tony Abone • 315-339-2222

Coldwell Banker Prime Properties Realtor • Homes@GaetanoBelmonte.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$125,000

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Rome

$106,900

5600 Golly Road

111 E Sycamore Street

5 Bedrooms / 2.0 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #33615

For more details visit www.LifeandHomes.com Type in Quick Search #41550

Laura Minard • 315-525-1974

Tony Abone • 315-339-2222

Coldwell Banker Prime Properties Realtor • lauraminard@cbpp.com

Licensed Mortgage Banker NYS Banking Dept

featuring

Barbara Dunn Realty

Bill Lake Homes

A different kind of home built with pride & integrity by professionals.

Bill Lake has been the leader in building energy efﬁcient custom homes for over 43 years. Call Dave today! KD Homes Rt 12 Waterville, NY 13480

841-8700

email kdhomes@frontiernet.net web kdhomesny.com

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

RE/Max All Pro

Broker/Owner • proabone@cnymail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

6 Pine Haven Circle

Lic. R.E Salesperson • tlwinterton@hotmail.com

■

Low Mortgage Rates • Homestead Financial 315-768-1980

6199 Lorena Road

1St. Rome Realty

L i f e and H o m e s

Dominion Homes Broker/Owner • blon316@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

$29,900

507 E. Bloomfield St.

RE/Max All Pro

KD Homes

Rome

130 First Street

215 N. James Street Rome 315-337-1677 • dunnrealt@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

NEW HOMES MODULAR “IT’S SIMPLE”

LAND STEAL 50% OFF

All Remaining Lots To Be Sold At 1/2 Price Beautiful & Affordable Home Sites FROM 5 ACRES TO 40 ACRES • PRICES FROM $14,900

We can give you better specifications, more upgraded features, and a higher quality home

Special Onsite Financing Available “Buy Now - Build Later” THIS IS THE BEST DEAL AROUND

And we can do all this for less money.

POND VIEW

BRING US YOUR BEST DEAL

Private family community for fun & investment 35 Exceptional homesites set on 235 acres Riding trails, stocked fish ponds, sunset views

- WE WILL BEAT IT! Stick Built Quality Modular Homes

Direct Snowmobile & ATV Trails Out Your Door To The Ridge Runners Clubhouse

Middleville, Herkimer County, NY Ph. (315) 891-3254

Ph: 315-891-3254

QSN#41520 QSN#41521

Wampsville

$199,900

A beautiful mix of old world charm and modern conveniences. Home completely renovated. Quality craftmanship abounds. Ceramic tiles, floors, kitchen island, cabinets, windows, carpets, baths, garages, septic, water heater and I’m sure I missed a few - all new! Lovely yard. Plenty of space for play and entertaining inside and out.

QSN#41379

Rome

$61,890

3 bed ranch - could be 4. Has main floor laundry. Nice layout. Convenient location. Good sized back yard.

Denise Witchley Lic. Real Estate Broker/Owner 337-0841 oﬃce 335-6971 cell 337-7973 fax

QSN#41157

QSN#41380

For more information on any of these homes, visit

www.LifeandHomes.com and type in the QSN#

$58,900

$87,900

$67,900

Bring your suitcases! Adorable 2 bedroom - bigger than it looks.Well kept, clean. Located on a less-travelled street. Master bed has large walk in closet. Nice sitting room upstairs. Great sun porch facing large back yard. Owner needs to find and close on suitable housing.

Rome

$149,900

Rome

$174,900

Farm/Land Commercial

Rome

2 Family

QSN #33888

QSN #33926

$29,900

QSN #33755

www.homecomingrealty.net • 734 Erie Blvd. W, Rome, NY 13440

www.Life and Homes .com

L i f e and H o m e s

4 bed 2 full bath home with tons of space. Good sized rooms. Sliding doors from both the formal dining room and family room downstairs lead to deck and above ground pool. Large back yard. Convenient location!

Rome

■

3 bed 2 full bath mobile home.Open floor plan. Nice and bright. Fireplace in living room; double closets in master suite; ramp; super back deck, central air and private back yard.

Rome

June

Rome

LifeandHomes.com Sherrill

Your All Inclusive Home Directory

$159,900

$145,000

429 Larchmont Ave

Commercial

4 Bedrooms / 1.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41304

For more details visit www.LifeandHomes.com Type in Quick Search #41365

Terry G. Schaal • 315-264-1585

Joanne Shedd • 315-790-1997

Schaal Real Estate

Lic. R. E. Representative • schaaltg@aol.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Sherrill

$294,500

Lic. R.E Salesperson • jshedd@assist2sell.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$249,900

4731 Marble Road

31 Nob Road

4 Bedrooms / 3.5 Baths

5 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41482

For more details visit www.LifeandHomes.com Type in Quick Search #41514

Janet Mautner • 315-363-9191

Denise Sadallah • 315-733-1463

Kay Real Estate

Assoc. Broker • kayhomes@dreamscape.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

Prudential J.R. Carucci Real Estate Lic. R. E. Salesperson • DSADALLAH@PRUDENTIALCARUCCI.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

$52,900 1429 Conkling Avenue - 2 Family

Utica

6 Bedrooms / 2.0 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41525

For more details visit www.LifeandHomes.com Type in Quick Search #41442

JoAnn Longo • 315-733-5394

Joseph Colacicco • 315-733-0463

Longo Realty

Lic. R. E. Broker • JoAnnLongoRealtor@gmail.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$59,900

$229,900

1602 Sherman Drive

Prudential J.R. Carucci Real Estate Lic. R. E. Salesperson • jcolaciccio@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

3 Sherman Place

$115,000 10 Foery Drive Unit #309

4 Bedrooms / 2.0 Baths

2 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #32157

For more details visit www.LifeandHomes.com Type in Quick Search #41441

Tony Myers • 315-525-6291

Joseph Colacicco • 315-733-0463

The Nehemiah Fund Investor • tonymyers@verizon.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Prudential J.R. Carucci Real Estate Lic. R. E. Salesperson • jcolaciccio@prudentialcarucci.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Utica

$74,900 15 Hampden Place - 2 family

Utica

6 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #32737

For more details visit www.LifeandHomes.com Type in Quick Search #32023

Tony Myers • 315-525-6291

The Nehemiah Fund Investor • tonymyers@verizon.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Central New York

Licensed Mortgage Banker NYS Banking Dept

$62,900 905 Springate Street - 2 units

The Nehemiah Fund Investor • tonymyers@verizon.net

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Unreserved Real Estate & Contents Auction Saturday, June 19 & Sunday June 20; 10am 9102 main street, Westernville, nY 13486 Real Estate Auction Co., Inc.

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L i f e and H o m e s

Utica

100 W. Seneca St.

2052 Lamson Rd. Phoenix, NY 13135

www.brzostek.com 1-800-374-SELL 22

owned by 5th generation descendants of General William floyd- signer of the declaration of independence. 2 story 4,000+/- federal Home (circa 1830 with 15 rooms that include: 6-7 bedrooms, 3 full baths & 1 car attached garage on 1.7 acres! features open front porch w/ columns, front entry hall, under the stair storage, wide board floors throughout home. front living room w/ fireplace mantel, dining room w/ fireplace & cast iron box stove & brass chandelier. Hallway to backside (south), w/full bath. Parlor/ bedroom has fireplace w/mantel, stairway to 2nd floor. off dining room is door to eat-in kitchen w/ pine cabinets, original cooking fireplace w/ side oven, wall oven, stainless steel counter tops, dishwasher, electric cook top, 2 person bar. Bidding starts at $1! Personal property to auctioned after real estate! dir: Located at the corner of main st. & dopp Hill Rd. & Rte 46, Westernville, nY open House: sun June 6 &13, 12pm-4pm; Thursday & friday June 17-18, 12pm-4pm; Plus one hour before auction. $2.00 admission charge to be donated to Westernville fire department!

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

6377 State Route 233, Rome NY • 315-336-7323

Gracious Community Living • Meticulously Maintained • Rome Water Secure • Financing Available • No Closing Costs • Westmoreland Schools Open Mon, Tues, Wed, Fri, Sat by appointment More Available - Come in for a List! ICE

4 Bedroom Large New 4 Bedroom 2 Bath Ranch. New Range and Refrigerator, Great for Kids, on Cul-De-Sac, Large Deck and Storage Shed $58,900

Our Best Buy

Just Remodeled 3 Bedroom 2 Bath Ranch, Central Air, Carport Storage Shed, New Carpet $35,900

On Cul-De-Sac

Very Nice 3 Bedroom 2 Bath Ranch on Cul-De-Sac. Fireplace, Oversized Insulated Garage New Roof, New Carpet, New Windows $49,900

ICE

Beautiful Ranch Near New Owner Transferred. Pristine 3 Bedroom 2 Bath Ranch, Central Air, New Windows, Newer 3 Bedroom 2 Bath Ranch, Central Air, Open Floor Plan. 1½ Car Garage, Large Deck, Some Harwood Floors, Jacuzzi. Reduced- Must Sell! $48,900 Owner Anxious. $59,900

D HE AS L S

Great Floor Plan Spacious 3 Bedroom, 2 Bath Ranch, 1½ Car Garage, Central Air, Large Deck, and All Appliances, Including Washer, Dryer, and Dishwasher. $54,900

PRIME PROPERTIES St Lawrence River - 1000 Islands Waterfront Condos with Boat Slip

Each 1100 sq ft unit features 2 bedrooms, heat, central air, fully applianced kitchen, washer & dryer, fireplace, carport, and boat slip. 7 Only 9 Units Remaining! Dockside Resorts, Morristown, NY Conveniently Located between Alexandria Bay & Ogdensburg, NY

See more photos at www.8docksidedrive.com

www.Life and Homes .com

Debbie Roberts

315.796.2830 23

L i f e and H o m e s

$184,000

■

Starting at

June

New Construction

Ground-Middle-Penthouse Levels still available, All with Waterfront Views!

#1 Selling Coldwell Banker in the Mohawk Valley 2306 Genesee Street, Utica, New York

Visit www.CentralNewYork.com for the best local searches!

L i f e and H o m e s

â&#x2013;

Central New York

FAITH PROPERTIES

735-2222

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Sandra Walser

Cindy Lazzaro

Anthony Vaccarelli Audrey Johnson

JC Pantola

Jenny Carabin

Barb Roberts

Jim Lenahan

Ben Tringo

Susan Martorell

Bitsy Maye-Rattler Bozena Sroczyk

John Brown

Cindy Major

Jonathon Smoulcey Judy Hinman

Cliff Ganey

Keith Schuderer

Deborah Hapanowicz

Bert McCumber

Derby Family

Kelli Inserra

Linda Peters

Diane Lockwood

Henri Abiyaghi

Lori Hamlin

Lori Scalise

Ismail Yildirim

Jay Groah

Marcia Archibald Pauline Nicoterra

Michelle Faga

Veronica Coe

Rick Rodio

Rosemarie Costello

June â&#x2013;

www.Life and Homes .com

L i f e and H o m e s

735-8515

Campion-Weeks

Adeline Griffiths Alice Donnelly

141 Genesee St., New Hartford www.campionweeks.com Voted Top Residential Real Estate Compnay

Anne Hameline Anthony Desarro

Azza Diorgi Brett Lojewski

New Hartford

$549,900

Picturesque view from this fabulous contemporary. Great room, cathedral ceilings, gourmet kitchen, DR, 1st ﬂoor master. 3.5 baths, sunroom, 3 car garage. MLS#101154 www.Campionweeks.com 735-8515

Southeast Utica

$399,900

Spectacular contemporary w/ 4 bedrooms, 2.5 baths, DR, FR, Granite, marble, maple cabinetry, inground pool, ofﬁce. ‘A Must-See Home.” MLS#101115 www.Campionweeks.com 735-8515

New Hartford

$369,900

Fabulous South Woods colonial with 4 bedrms, 3.5 baths, ﬁnished basement, FR, DR, marble counter tops, HW ﬂoors, attached garage. MLS#101245 www.Campionweeks.com 735-8515

Rome

$350,000

Exceptional Opportunity to own this “One of a Kind” 5 bedrm brick colonial. FR, DR, library, 3 full and 2 half baths. Maids quarters, 3 car carriage house w/ apt. Inground pool. MLS#912768 www.Campionweeks.com 735-8515

Carla Dochterman Carol Chiarello

Carole Owen Caroline Marino

Marcy

$258,500

Gorgeous 4-5 bedrm, 3 bath transitional cape. DR, FR, att double gar. 1st ﬂoor mstr suite. Central air. Only 4 yrs young. Approx 2600 sq/ft. MLS#912704 www.Campionweeks.com 735-8515

Marcy

$229,900

Beautiful & spacious brick ranch on 6+ acres. 4 bedrooms, ﬁreplace, new windows & doors. FR, DR, in-law apt, double garage. MLS#100532 www.Campionweeks.com 735-8515

Frankfort

$239,000

Stunning 3 BD, 2 bath home with woodmode kitchen, DR, FR, gorgeous view. In-law apt. 2 Car garage.t MLS#101020 www.Campionweeks.com 735-8515

Southeast Utica

$235,000

Classic and spacious 4 bedrm, 2.5 bath colonial in quiet cul-de-sac. DR, updated kitchen, covered patio. Double garage. Fenced, private yard. MLS#101139 www.Campionweeks.com 735-8515

Dave Malozzi Kim Johnson

Linda Cavalier Linda Kuzniar

New Hartford

$219,900

Meticulous 4 bedrm, 2.5 bath colonial on a lovely country lot. DR, FR, 2 car garage. Updates. Excellent buy! MLS#101479 www.Campionweeks.com 735-8515

New Hartford

$169,900

Stylish & elegant 2 bedrm, 2.5 bath condo in Sherman Oaks. DR, FR, garage. Completely renovated. MLS#101432 www.Campionweeks.com 735-8515

New Hartford

$170,000

Well maintained 3 bedrm townhouse in Oxford Heights. Dining area, 2.5 baths. Updated roof, appliances, ﬂooring. Nice deck. Att gar. MLS#100636 www.Campionweeks.com 735-8515

New Hartford

$178,900

Unique property offering 3 bd, 1.5 bath ranch on 1.6 acres. Att gar plus lge 2 story gar w/ 3 bd in-law apt. Inground pool. Many updates. MLS#100709 www.Campionweeks.com 735-8515

Luis Montero Marilyn Valvo

Mark Canter MaryBeth Roberts

South Utica

$185,000

Traditional, center hall colonial, Pattery Barn decor! 4bd, DR, 2.5 baths, updated kit & baths. 1st ﬂoor laundry, Double garage, Lower level FR. MLS#100844 www.Campionweeks.com 735-8515

Oriskany

$154,900

Spacious, open concept 3/4 bedroom raised ranch. Dining Room, 2 family rooms, 2 car garage, deck, pool. MLS#101328 www.Campionweeks.com 735-8515

South Utica

$115,000

Nice 3 bedroom, 2 story home in popular Ridgewood. DR, ﬁreplace, garage. Freshly painted interior. MLS#101030 www.Campionweeks.com 735-8515

Whitestown

$114,900

Michael Grassi Pat LoGuidice

Contemporary chalet style home w/ open ﬂoor plan. Beautiful, custom kitchen, dining area, 2 bedrooms, huge wrap around deck. MLS#101085 www.Campionweeks.com 735-8515

Central New York

Paul Durrigan Rosemary Nicotera

Ruth Fanelli Sabrina Arcuri

South Utica

$92,000

Ilion

$118,900

Nice, 2 story with newer roof & furnace. Formal DR, 1st ﬂoor laundry. Fenced yard.

Immaculate 3 bedrm cape. DR, eat-in kit. Gar. Many updates. Home Warranty.

MLS#101143 www.Campionweeks.com

MLS#101424 www.Campionweeks.com

735-8515

$99,900

Beautiful, charming village home, 4 bedrooms, 1.5 baths, den DR, great yard. Garage. Wonderful detail throughout. MLS#911869 www.Campionweeks.com 735-8515

Constantia

$82,000

Nice 3 bedrm double-wide on 7 acres. Great location near Oneida Lake. Borders snowmobile trails. Garage. MLS#101294 www.Campionweeks.com 735-8515

Sam Vedete

Susan Alberico

Tom Conte

Tom Mazzotta

Vera Sadallah

Wade Evans

L i f e and H o m e s

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735-8515

Boonville

West Utica

$69,900

Well maintained 2 family near Faxton Hospital. 3 bedrms in each apt. Separate utilities, 2 car gar. Newer roof, furnaces & hot water tanks. MLS#1001571 www.Campionweeks.com 735-8515

Schuyler

$58,000

Immaculate, newer 3 bedrm, 2 bath double wide. Den or 4th bedrm, central air, deck. Appliances. Located in park just over city line. MLS#100396 www.Campionweeks.com 735-8515

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

East Utica

$58,000

Affordable 2 bedrm bungalow. HW ﬂoors, replacement windows, DR, spacious yard. MLS#101371 www.Campionweeks.com

735-8515

Yorkville

$68,900

Affordable 3 bedrm, 2 bath bungalow. Family room, vinyl siding, 2 car garage. Whitesboro schools. MLS#912061 www.Campionweeks.com

735-8515

Your All Inclusive Home Directory Vernon

LifeandHomes.com Westernville

$197,900

7660 Gifford Hill Rd

3 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #32864

For more details visit www.LifeandHomes.com Type in Quick Search #41503

Julie Stickels • 315-363-9191

Kimberly A. Beckley • 315-334-1046

Kay Real Estate

Clemens-Beckley Real Estate

Assoc. Broker • kayhomes@dreamscape.com

Broker/Owner • KABBHG@AOL.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vernon

Licensed Mortgage Banker NYS Banking Dept

Westernville

$154,900

7 Lake View Drive

4 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41385

For more details visit www.LifeandHomes.com Type in Quick Search #41502

Amy La Clair • 315-790-4153

Sharron Puglio • (315) 334-1046

Clemens-Beckley Real Estate

Lic. R. E. Broker • info@newnestrealty.com

Lic. R.E Salesperson • SHARRONPUGLIO@YMAIL.COM

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vienna

Licensed Mortgage Banker NYS Banking Dept

Westmoreland

$93,900

$84,900

7784 Lewis Rd

6714 Dix Rd.

4 Bedrooms / 1.5 Baths

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41466

For more details visit www.LifeandHomes.com Type in Quick Search #33918

Amy Abdoo • 315-794-2653

Mike McNaughton • 315-264-3081

Dominion Homes

Dick Stanton Real Estate

Broker/Owner • blon316@aol.com

Assoc. Broker • mike@mcnaughtonhouse.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

Vienna

Licensed Mortgage Banker NYS Banking Dept

Westmoreland

$64,900

$170,000

7436 St Rt 13

5860 Bartlett Road

2 Bedrooms / 0.5 Baths

4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41192

For more details visit www.LifeandHomes.com Type in Quick Search #41517

Thelma Chase • 315-363-5464

Amy La Clair • 315-790-4153

Don Kingsley Real Estate

New Nest Realty

Assoc. Broker • thinkthelma@twcny.rr.com

Lic. R. E. Broker • info@newnestrealty.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

West Leyden

Licensed Mortgage Banker NYS Banking Dept

Whitestown

$139,900

$359,900

4157 Mud Lake Road

18 Symphony Place

4 Bedrooms / 2.0 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41364

For more details visit www.LifeandHomes.com Type in Quick Search #41183

Carrie Podagrosi • 315-723-3021

Laura Minard • 315-525-1974

A.Fumarola /Joyce Realty

Coldwell Banker Prime Properties

Agent • cpodagrosi@yahoo.com

Realtor • lauraminard@cbpp.com

Low Mortgage Rates • Homestead Financial 315-768-1980

Licensed Mortgage Banker NYS Banking Dept

8086 Seneca Tpke Clinton, NY 13323 info@lewisseamlessgutter.com

Licensed Mortgage Banker NYS Banking Dept

A Tradition of Customer Service that lives on in our Prudential Team! www.prudentialcarucci.com

(315) 733-0463

www.Life and Homes .com

L i f e and H o m e s

Customer Service

■

June

Joseph R. Carucci Real Estate 600 French Rd., New Hartford

315-732-9577

No Job Too Small!

$239,900

4588 Verona Street

New Nest Realty

Services Include: - kitchen-bathroom remodels - trim work and painting - flooring - windows and doors - seamless gutters and covers

$89,900

3799 Kenwood Avenue

Lot owners

homeowners We Remodel Too! Hey, call us 738-9458

$159,900.00 On Your Lot 3 Bedrooms, 2 baths Full Basement, 2 Car Garage (stone optional). Not Included- Water Well Sewer, Finished Landscaping and Interior Painting

Or Let Us Design Your New “Dream Home.”

Whitesboro’s Elegant “Hart’s ViEW tErracE” Still has 4 Choice Suites Available (1) 3+ Acre Parcel • (1) 5+ Acre Parcel • (2) 1/3 Acre Lots

• Garages • Decks • Additions • Kitchens • Baths • Sunrooms

L&A BuiLders

Over 50 Years of Quality Custom Homes, Dependability, & Fair Prices

Phone: 738-9458 or 723-0823 Mailing Address: Box 4625 Utica, NY 13504 Email: labuilders_utica@hotmail.com

#1 Selling Coldwell Banker in the Mohawk Valley FAITH PROPERTIES

2306 Genesee Street, Utica, New York

Each Ofﬁce is Independently Owned and Operated

315-525-7600

Visit www.CentralNewYork.com/Bozena for the best local searches!

Thinking of Buying or Selling? Central New York

Contact Me Today For a Full Time Professional Advice & Service

Bozena Sroczyk

$79,900

Russia

$64,900

Utica

$89,900

Utica

$84,900

Utica

$44,900

Utica

$59,900

Spacious Bungalow offers 3 bedrooms, 1.5 Baths, nice living room. Formal dining room, hardwood floors, kitchen with all appliances,new counter top, & tile.

Country living! 2 bedroom ranch, minutes from Hinckley, newer kitchen, windows, siding, and 2 stall garage. Den could be used as a third bedroom.

Well maintained, 2 story w/ 3 BDRMs, 1 1/2 BA. Open living, dining and family room with pellet stove, large kitchen w/ all appliances.

Associate Broker sroczykb@yahoo.com Cell: 315-525-7600 Fax: 315-735-1727

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L i f e and H o m e s

Yorkville

Move in Condition! 2 story w/ 4BDRMS, 2 full baths w/ jacuzzi tub. Appliances included. Many Updates!

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Great 2 family with 3 bedrooms each floor. Separate utilities, nice hardwoods floors, newer front porches.

Very well maintained 2 family w/ 3 bedrooms each floor. Large rooms, separate utilities, nice hardwoods. Newer 2 hot water tanks, plumbing, & electric panel.

mortgageCorner

Avoiding Default and Foreclosure If you have fallen behind on your payments, consider discussing the following foreclosure prevention options with your loan servicer: Reinstatement: You pay the loan servicer the entire past-due amount, plus any late fees or penalties, by a date you both agree to. This option may be appropriate if your problem paying your mortgage is temporary. Repayment plan: Your servicer gives you a fixed amount of time to repay the amount you are behind by adding a portion of what is past due to your regular payment. This option may be appropriate if you’ve missed a small number of payments. Forbearance: Your mortgage payments are reduced or suspended for a period you and your servicer agree to. At the end of that time, you resume making your regular payments as well as a lump sum payment or additional partial payments for a number of months to bring the loan current. Forbearance may be an option if your income is reduced temporarily (for example, you are on disability leave from a job, and you expect to go back to your full time position shortly). Forbearance isn’t going to help you if you’re in a home you can’t afford.

that can offer a fresh start for people who can’t satisfy their debts.

Before you ask for forbearance or a loan modification, be prepared to show that you are making a good-faith effort to pay your mortgage. For example, if you can show that you’ve reduced other expenses, your loan servicer may be more likely to negotiate with you.

If you and your loan servicer cannot agree on a repayment plan or other remedy, you may want to investigate filing Chapter 13 bankruptcy. If you have a regular income, Chapter 13 may allow you to keep property, like a mortgaged house or car, that you might otherwise lose. In Chapter 13, the court approves a repayment plan that allows you to use your future income toward payment of your debts during a three-to-five-year period, rather than surrender the property. After you have made all the payments under the plan, you receive a discharge of certain debts.

Selling your home: Depending on the real estate market in your area, selling your home may provide the funds you need to pay off your current mortgage debt in full. Bankruptcy: Personal bankruptcy generally is considered the debt management option of last resort because the results are long-lasting and far-reaching. A bankruptcy stays on your credit report for 10 years, and can make it difficult to get credit, buy another home, get life insurance, or sometimes, get a job. Still, it is a legal procedure

To learn more about Chapter 13, visit www.usdoj.gov/ust; it’s the website of the U.S. Trustee Program, the organization within the U.S. Department of Justice that oversees bankruptcy cases and trustees. If you have a mortgage through the Federal Housing Administration (FHA) or Veterans Administration (VA), you may have other foreclosure alternatives. Contact the FHA (www.fha.gov) or VA (www.homeloans.va.gov) to talk about them.

100% Purchase Money Loans NO Downpayment • NO Monthly PMI Call for Details

Roger Guerrieri 315-533-7160 Mortgage Originator

Adam Hearty

Licensed Mortgage Banker • NYS Banking Department

315-534-2524 Mortgage Originator

LoWEST

Rates in the Area! 10 Main Street • Suite 200 2nd Floor Whitesboro, NY • HomesteadFinancial.net www.Life and Homes .com

L i f e and H o m e s

Financial Services, Inc.

Anthony Tefel

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315-404-5253 Mortgage Originator

June

Loan modification: You and your loan servicer agree to permanently change one or more of the terms of the mortgage contract to make your payments more manageable for you. Modifications may include reducing the interest rate, extending the term of the loan, or adding missed payments to the loan balance. A modification also may involve reducing the amount of money you owe on your primary residence by forgiving, or cancelling, a portion of the mortgage debt. Under the Mortgage Forgiveness Debt Relief Act of 2007, the forgiven debt may be excluded from income when calculating the federal taxes you owe, but it still must be reported on your federal tax return. For more information, see www.irs.gov. A loan modification may be necessary

if you are facing a long-term reduction in your income or increased payments on an ARM.

Home Service network

Exclusive Members That Have Shown Exceptional Customer Service

The Missing Pieces to a Hassle-Free Home Heating

Builders ADIRONDACK BUILDERS 315-942-4949 Log Homes, Basements, Custom Kitchens, Member Since 08/09

Additions, Carpentry. General Contracting. Electrical Work. Log Homes, Basements, Custom Kitchens, Additions, Carpentry. General Contracting. Electrical Work.

MOHAWK HOME COMFORT SERVICES 800-432-8669 Heating Oil, Kerosene, Diesel, Gasoline & 800-765-6511 Heating Equip. Propane in Madison/Oneida 800-692-2525 Member Since 09/07

Member Since 09/07

THE HEARTH SHOP @ UNIV. BLDG SUPPLY 315-337-3340 Easy Track Closet Systems - Estimates, Design, 315-732-2350 Installation.The More Economical, Easy Installation System on the Market.

Home Inspection Member Since 11/07

ENERGY & INSULATION SOLUTIONS 315-285-5074 Serving all of the North Country. From the Member Since 04/10

takes” to ensure that you are thrilled with your new system and energy efficiency.

HOME PRO HOME INSPECTIONS On the Corner of Rt. 8 & 20 mins from Utica. 315-822-0010

Energy

Custom Cabinetry, Flooring, & Molding for all your needs.

Member Since 07/08

Excavating BCS EXCAVATING 315-841-3573 Deansboro • Servicing CNY. Bobcat and mini Member Since 03/06

excavator, Septic, Sewer,Trenching, Posthole Drilling, Demolition

& Buyer inspections, Septic Systems, Inspections & Dye Tests,Water Purity.The Only Local NYS DOH ELAP Certified Continuous Monitor Radon Testing Lab in Oneida County.

Member Since 01/09

price, I pride myself in providing a comprehensive, independent evaluation of your home!

THE HEARTH SHOP @ UNIV. BLDG SUPPLY 315-337-3340 CNY’s Source for Warmth! Fireplaces, stoves, 315-732-2350 inserts,logssets - biofuels, gas, pellet or wood. Also Member Since02/08

Central New York

TRU-LINE LANE & FLOOR 315-735-5299 High quality dust free floor refinishing. Genera-

Member Since 09/07

Member Since 06/07

tions of high tech methods, knowledge and hard working values provides a stress free experience.

IRONWOOD FURNITURE 315-853-7300 Serving CNY. Quality Amish Solid Wood Furniture at Affordable Prices. See our great selection of Tables, Chairs, Hutches, Bookcases, Bedrooms, and much, much more. www.IronwoodCNY.com

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

We will not be undersold. “Stickbuilt Quality” Modular Homes.

Overhead Doors OVERHEAD DOOR CO. OF UTICA, INC 315-768-7886 Over 50 years combined door experience Member Since 05/10

with fully trained service tech’s. We offer 24 hr emergency service 7 days a week. Residential or commercial.

Stone & Landscaping Products MADDEN CONCRETE & MASONRY SUPPLY 315-724-8111 Retaining Walls, Patios, Mulch & Stone, Fire Pits Member Since 03/08

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Dependable Service for 20 Years.

Insured. Energy Saving Benefits. Free Estimates

Waterproofing Kitchen & Baths

WILCOX BASEMENT SYSTEMS, INC 315-896-3979 Serving All of CNY. Basement & Crawlspace Member Since 03/07

EMPIRE BATH & KITCHEN, INC. 315-733-0408 Empire is a locally owned company featuring Member Since 04/08

Furniture

NEW HOMES MODULAR CO 315-891-3254 Serving CNY. “The Best Homes at the Best Prices.”

ENVIRONMENTAL CONTRACTING 315-269-7900 Serving CNY. Specializing in Spray-On-Foam. Fully

Flooring

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L i f e and H o m e s

mantles, custom stone work, custom hearths. Free estimates.

Insulation

ence Building Log Homes Throughout New York State Including the Adirondack Mountains.

Modular Homes

SHIRE INSPECTION SERVICES, INC Performing quality inspections at a reasonable 315-420-2832

Fireplaces & Stoves

Member Since 09/07

Member Since 05/10

Adirondacks to Lake Ontario.We come to you!

SMITH INSPECTION SERVICES, LLC Serving CNY and the Mohawk Valley. Pre-listing 315-363-8074

Member Since 05/10

CEDAR HOMES OF DISTINCTION 315-824-1571 We have our own Crew with over 25 Years Experi-

Counties. www.mohawkhcs.com

COUNTRY SUBURBAN HEATING & AIR CONDITIONING 315-735-5300 Country Suburban will do “Whatever it

Closets

Member Since 02/08

Log Homes

a complete kitchen & bath showroom. Our cabinet lines include: Omega, Plain N’ Fancy and Armstrong. Let our design team help you with your next project.

KITCHEN DESIGN CENTER Serving CNY. Check out our winning combina315-724-7049 Member Since 07/08

tion of Kitchen Design Center & Custom Stair & Millwork.We handle Yorktowne & Kraftmaid Cabinetry

Waterproof Solutions. Foundation Repair. www.wilcoxbasement.com

Well Drilling AW KINCAID INC 315-697-7720 Well Drilling & Water Systems. Established 1916. Member Since 10/07

Well Drilling- Rotary & Cable Tool.Water Pumps Serviced & Installed. Certified by National Ground Water Assoc.

Herkimer County

$179,000

$199,900

$230,000

$550,000

480 acre farm 180 acres tillable. Balance woods and pasture. Good 2 story 4 bdrm home w/2 car garage. Very cheap inexpensive power. Farm has a beautiful year round stream. Several ponds. Excellent hunting & ﬁshing. Close to 300 miles of snowmobiling & ATV trails. This would make a wonderful farm to raise beef, horses, make hay. Lots of road frontage. A great investment property. Close to the Adirondack Mountains. Not far from Route 90 Thruway. Easy to get to.

www.Life and Homes .com

L i f e and H o m e s

Southern Herkimer County Gentleman’s Farm w/58 acres & Beautiful home. Very nice 2 story 4 bdrm home. Well kept & maintained. Good 2 story 36x70 barn. Room for 25 head of cattle. Farm has a very nice year round stream. Decent fencing for beef. Lots of deer & turkey. This would make an excellent farm to run beef or horses. Great place for a road side stand. 20 mins from shopping & several hospitals. 5 mins to schools.

Oneida County

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Herkimer County Hobby Farm. 100+/- acres 25 acres in pasture and ﬁelds. Balance woods and large beaver ponds. Awesome white tail deer & turkey hunting. Good 2 story 5 bdrm Colonial Brick home in good condition. Large rooms high ceilings. Good spacious home. Good 40x80 pole barn for horses or beef, machine and hay storage. 2 story barn, has been used for additional storage. Close to I90, shopping, hospitals close by. Not far to the Adirondack Mountains.

Herkimer County

June

Near Little Falls, NY. 35 acres of beautiful land with a large 3 story 10 bedroom Victorian Home. This beautiful home is a well maintained home with some remodeling done, but most of the original woodwork is still intact. Large rooms, high ceilings would make a beautiful Bed n Breakfast situated on a quiet road. Overlooking Adirondack Park. Mins from I90 Thruway. Unbelievable hunting, ﬁshing, hiking, skiing, and snowmobiling trails all within minutes drive. Within an hour of Albany International Airport.

Herkimer County

Laura Minard

Licensed Real Estate Salesperson

315-768-1680 Ext 205 Office 315-525-1974 Cell Lauraminard@cbpp.com www.ColonialSquareTwinHomes.com

Twin Home Prices from $189,900

We won’t be

undersold.

We will beat

any price!

Come to an

Open Ho use Call L aura for S howing

Competitive Pricing North Utica

QSN#33997

Central New York

2 bedroom, 2 bath town home with granite countertops, central air-conditioning, and a 12x12 back deck, with the other half of the town home still available for sale in which the home buyer can upgrade to their personal preference and satisfaction.

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L i f e and H o m e s

$209,900

New Hartford

QSN#33998

$349,900

3 bedroom, 2 ½ bath two story colonial with a full, walk-out basement, stone entry, hardwood floors, three stall garage, whirlpool tub, gourmet kitchen, spray foam insulation, and energy star windows.

North North Utica Utica

QSN#33999

3 bedroom, 2 bath home with hardwood floors, designer series gas fireplace, vaulted ceilings, stone masonry, energy star windows, formal dining room, granite countertops, and 80% reduced property taxes.

To See the Progress of the Homes Pictured Above, Log On to www.LifeandHomes.com and type in the QSN#.

105 Main Street Whitesboro, NY 32

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

$239,900

North Utica

QSN# 34001

$319,900

North Utica

New Construction

$219,900

315.736.0865

stevebuck@buckconstruction.net